Star Health Insurance

Key Features

Claim Settlement Ratio 90%

Claim Settlement Facility 100%

Network Hospitals 13,000

Renewability 100%

COVID-19 Cover Yes

Incurred Claim Ratio 63%

Benefits of Star Health insurance

Star health insurance offers super restoration in which the sum insured would be restored up to 100% of the basic sum insured for the same ailment in subsequent hospitalization. The super restoration benefit is available only once during the remaining policy period which can be used for next hospitalization.

Star health insurance offers automatic restoration of the basic sum insured by 200% once during the policy period. The restored sum insured cannot be carried forward to the next policy period.

Star health insurance offers up to 25% of the basic sum insured as Cumulative Bonus for every claim free year subject to a maximum of 100% of the base sum insured. The cumulative bonus can be carried forward to the next policy period without any hassle under Star health insurance plan.

If the insured period is diagnosed with psychiatric or Psychosomatic disorder for the first time and hospitalized for a minimum period of 5 consecutive days under this policy, then the company would pay hospitalization expenses up to the basic sum insured under the policy.

Star health insurance offers an optional cover to buy back the pre-existing diseases waiting period in which the waiting period for pre-existing conditions would reduce from 36 months to 12 months. This plan can be purchased on payment of Additional premium and would be useful for people with pre-existing ailments. Pre acceptance medical screening is mandatory for buyback PED cover.